IDFC Health Recharge Insurance Plan

Age

• Adults: 18 to 65 years
• Children: 91 days to 25 years

Waiting Period

• Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal
• Initial waiting period of 30 days unless the treatment needed is the result of an accident.
• Specific waiting period of 24 months for some listed illnesses, unless the condition is directly caused by cancer (covered after initial waiting period of 30 days) or an accident (covered from day 1)

Specific Exclusions

• Investigation & Evaluation
• Rest Cure, rehabilitation and respite care
• Obesity/ Weight Control
• Change-of-Gender treatments
• Cosmetic or plastic Surgery
• Hazardous or Adventure sports
• Breach of law
• Excluded Providers
• Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
• Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.

Renewability and Coverage

• Renewability: Lifetime, however in case of family floater, after 26 years, insured child need to take separate policy & continuity benefits will be given
• Coverage up to Rs. 95 Lacs
• Pre/Post hospitalization medical expenses covered up to sum insured
• Unlimited tele/online consultations available
• Coverage for all day care treatments up to sum insured
• Emergency ambulance – Coverage for costs incurred transportation of the Insured Person by road Ambulance to a Hospital for treatment in an emergency. Covered up to INR 1,500 per hospitalisation
• Living organ Donor transplant – Medical expenses for a living organ donor’s treatment for harvesting of the organ donated. Covered up to Sum Insured
• Alternative treatment – Inpatient treatment taken under Ayurveda, Unani, Siddha and Homeopathy. Covered up to Sum Insured
• Domiciliary Hospitalization – Coverage for medically necessary hospitalisation at home up to sum insured
• Day care treatment – Coverage for day care treatments up to sum insured
• Pre-post hospitalization – coverage for medical expenses incurred 60 days before and 90 days after the hospitalisation. Up to sum insured
• Single Private Room – Single private room up to sum insured.
• Inpatient treatment – Covered up to sum insured

Additional Benefits

• e-consultation – unlimited online/tele consultations
• Loyalty addition - Increase of 5% of expiring Base Sum Insured in a Policy Year; maximum up to 50% of Base Sum Insured; no increase in sub-limits (This benefit is applicable only for Base Sum Insured up to Rs. 25 Lac)
• Pharmacy & Diagnostic - Available through Niva Bupa’s empaneled service provider
• Mental disorder treatment - Covered up to Sum Insured (sub-limit applicable on few conditions)
• HIV/ AIDS – Covered up to sum insured
• Artificial life maintenance – Covered up to sum insured
• Modern treatments - Covered up to Sum Insured (sub-limit applicable on few conditions)